Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
The cost of maintaining a home in Kettering can be expensive, especially as your home ages and your systems and appliances have to be updated or repaired. A home warranty can give you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide to the best home warranty providers in Kettering.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Kettering residents. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
Read more by visiting our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Kettering residents. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
Read more by visiting our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Kettering residents. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty full review. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Kettering residents. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield full review. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Kettering residents. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our First American Home Warranty full review. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Kettering residents. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Kettering residents. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club full review. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,766 |
| Heating | $3,844 |
| Electrical | $577 |
| Toilets | $481 |
| Washer/Dryer | $769 |
| Plumbing | $577 |
| Oven | $1,538 |
| Fridge | $577 |
A home warranty is a protection policy that helps reduce the high costs for Kettering homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. Newer homes with working appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are refrigerators, microwaves, dryers, garbage disposals, dishwashers, washers, and more. Included systems are usually electrical, air conditioning, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Kettering homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty words to learn before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for AC, electrical, plumbing, heating, and appliances, while more comprehensive options may also cover spas, well pumps, pools, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies keep networks of contractors to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Kettering to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty providers offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in Kettering can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Additionally, having a home warranty can save you time by eliminating the need to research technicians — most companies will send a trusted professional right to your door to do the necessary repair or replacement. Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
One drawback of purchasing a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
In addition, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Kettering can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Kettering. It doesn't cover a typical appliance or system breakage.
Homebuyers, real estate agents, homeowners, landlords, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Usually the homeowner is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Kettering is $220,406, a home warranty can be an added asset when buying a home.
Loading map...